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This research aims to highlight digital financial technology, which has become the focus of attention for all economic and banking institutions in general (Shmuratko & Sheludko, 2021). Due to rising competition, client awareness, and the need for various services, many banks have switched to electronic transactions. And advanced financial services, banks no longer focus on their centuries-old activities (Alrawashdeh et al., 2022). Instead, it moved beyond employing financial technology and fostering international cooperation and information sharing to suit customers’ demands, such as automated teller machines (ATMs), smart cards, online payments, and cash transfers. Data were processed using statistical techniques (SPSS). The results of the statistical analysis of the data collected through the questionnaire tool prepared for this purpose showed an impact of financial technology on the dimensions of entrepreneurship. A random sample of 300 bank managers and commercial bank employees who were in direct contact with customers was selected, and it shows that there is an impact of the independent dimension of digital financial technology on the dimensions of entrepreneurship (initiative, risk tolerance, innovation, investment or acquisition of opportunities) in the research sample banks.

This study aims to investigate the effect of macroprudential regulation on banks’ profitability during financial crises, to find out whether the instruments of the Central Bank of Jordan (CBJ) enhance the performance of the Jordanian banking sector in terms of increasing banks’ profitability and reducing banking sector exposure to financial crisis vulnerability. The sample of the study consists of twelve listed banks in Jordan over the period 2000–2018. The bank’s return on assets (ROA) was regressed on instruments by using the fully modified ordinary least square (FMOLS) method. The results had shown a slightly weak significant effect of stress testing (ST) on the banks’ ROA. Capital adequacy ratio (CAR) had no significant effect, leverage ratio had the deepest effect, and banks are highly leveraged with more debt-to-equity ratio. In addition to that, a good number of the banks maintain CAR, loan-to-value (LTV), and leverage ratios higher than the minimum limit required by the CBJ and Basel requirements, suggesting that the Basel standards did not take into consideration the particularity of some countries. The results also revealed that CBJ prudential regulation instruments are succeed in keeping the stability of the banking sector profitability during previous financial crises, but still need to enhance the level of gearing for banks against future shocks